\documentclass{article}
\usepackage{mathptmx}
\usepackage{graphicx}

\begin{document}
  \title{Test of Insert figures}
  \author{Jzhang}
  \date{}
  \maketitle
  \section{The bear}
  There will be a bear, to view the bear, please see figure \ref{F:bear}.

  \begin{figure}[!htb]
    \begin{center}
    \includegraphics[width=8.0cm]{figures/bear}
    \caption{Bear}
    \label{F:bear}
    \end{center}
  \end{figure}
  
\end{document}
